Nils Erdmann | VP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO and CAO |
Sanjay Sakhrani | KBW |
Rick Shane | JP Morgan |
John Hecht | Jefferies |
Welcome to Oportun Financial Corporation’s Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions] Today’s call is being recorded.
For opening remarks and introductions, I’d like to turn the call over to Nils Erdmann, Vice President of Investor Relations. Mr. Erdmann, you may begin.